Abstract
The financial stability of households is an important component among other conditions for maintaining the stability of the entire financial system in general and the public finance system in particular. Adoption/implementation of erroneous, ill-considered decisions by households regarding the formation and use of funds in conditions of instability of the economic environment can with a high probability significantly worsen their financial condition. Therefore, researching trends in the financial behavior of households to avoid/neutralize the risks of disrupting their financial well-being (financial stability) and realizing the tasks of preserving public welfare in today’s complex crisis conditions is an urgent issue. The article evaluates the main modern aspects of the manifestation of financial behavior of households in the regions of Ukraine in the context of the impact on their financial stability and outlines directions for its regulation. As a result of the conducted research, it is taken into account that in conditions of instability, the movement of capital slows down, cash flows decrease, so households are limited in making many financial decisions. High risks of loss of sources of permanent income, real estate and property additionally change the financial behavior of households, transferring it to the plane of physical survival – minimal current consumption. Therefore, the range of determination/acceptance of possible financial decisions by households and their implementation in war conditions is significantly narrowed, and in the regions of Ukraine near the front zone, it practically freezes. Significant migration flows of the internally displaced population to regions of Ukraine that are less affected by the war require significant additional budget funds for social assistance to households. The «six whales» that form the basis of the financial behavior of households (and on which their financial activity/passivity is based) and ultimately contribute to the improvement/deterioration of the financial condition and the strengthening/undermining of stability are identified: financial literacy, information, motivation, financial resources, economic and institutional environment, objects (subjects) of investment/consumption. It is emphasized that important conditions for maintaining the financial stability of households are the state of their monetary income, the amount of expenses and, after neutralizing the effects of negative factors, the actual development of financial and other markets, balanced financial decisions based on knowledge and reliable information, and the financial policy of the state aimed at adequate realities of regulation of financial relations.
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